Senior Product Associate - Digital Product Utilities

JPMorgan Chase & Co.•Wilmington, DE

11h

About The Position

As a Senior Product Associate in Enhanced Transaction Utility (ETU), Consumer & Community Banking, you contribute to the team by leveraging your expertise in product development and optimization to make a significant impact, supported by user research and customer feedback to fuel the creation of innovative products and continuously improve existing offerings. Collaborate closely with cross-functional teams and play a crucial role in shaping the future of our products and ongoing success. You will be the connective tissue between engineering, business stakeholders, and institutional customers—translating needs into delivery and delivery into measurable outcomes. This role sits at the center of a high-visibility API modernization program supporting digital channels, servicing agents, and third-party integrators across the Chase ecosystem. If you are energized by execution, API ecosystems, and AI-enabled products in a complex financial services environment, this role offers scope and impact that few associate-level positions can match. The Enhanced Transaction Utility (ETU) platform powers transaction history for 38 million+ consumer checking accounts, delivering the data that drives Chase’s digital banking experience across mobile, online, and servicing channels. As a Senior Product Associate, you will be embedded within a dual-team engineering model spanning Wilmington, DE and Bangalore, India, managing backlogs, coordinating dependencies, and driving delivery milestones across a high-stakes program. The role requires you to be technically fluent in REST APIs, API versioning, and event-driven product concepts—and equally capable of presenting clear, stakeholder-ready narratives to business and technology leadership. You will contribute to the integration of AI-enabled capabilities into platform tooling and product features, with opportunities to shape how the team uses emerging technologies to improve delivery velocity and product quality. Candidates who thrive here bring a bias for action, comfort with ambiguity, and a track record of shipping products in complex, enterprise-scale environments.

Requirements

3+ years of experience or equivalent expertise in product management or a relevant domain area
Proficient knowledge of the product development life cycle
Experience in product life cycle activities including discovery and requirements definition
Developing knowledge of data analytics and data literacy
Experience with RESTful APIs, API lifecycle management, and documentation best practices.
Hands-on familiarity with API technologies and concepts such as REST, JSON, OAuth, and OpenAPI/Swagger specifications.
Proven ability to write clear user stories, acceptance criteria, and backlog items in an Agile or SAFe delivery environment.
Experience managing delivery across cross-functional engineering teams and enterprise stakeholders in a complex, matrixed organization.
Comfortable operating in an execution-focused, fast-paced environment with multiple concurrent workstreams and shifting priorities.

Nice To Haves

Understanding of machine learning concepts, model deployment, and integration with digital products.
Experience integrating or defining requirements for AI/LLM-enabled product features—such as AI-assisted search, summarization, or automated workflows.
Domain knowledge in financial services, digital banking, payments, or transaction data products.
Familiarity with API governance, API gateways (Apigee, Kong, Envoy), or developer portals.
Data analytics proficiency in SQL, product analytics tools (Amplitude, Google Analytics), or instrumentation experience.
Prior experience managing products for large enterprise or B2B customers with multi-stakeholder integration requirements.
Exposure to phased production rollouts, canary releases, or go/no-go governance frameworks for high-availability systems.
BA/BS in Computer Science, Engineering, Business, or a related field, or equivalent practical experience.

Responsibilities

Partners with the Product Manager to identify new product opportunities that reflect the needs of our customers and the market through user research and discovery
Considers and plans for upstream and downstream implications of new product features on the overall product experience
Supports the collection of user research, journey mapping, and market analysis to inform the strategic product roadmap and provide insight on potential product features that provide value to customers
Analyzes, tracks, and evaluates product metrics including work to time, cost, and quality targets across the product development life cycle
Writes the requirements, epics, and user stories to support product development
Develop and maintain product roadmaps for digital utilities, prioritizing API and AI initiatives based on business value and user needs.
Own end-to-end delivery of API products — define requirements, manage the backlog, coordinate releases, and ensure timely, high-quality execution across distributed engineering teams. Translate business and stakeholder needs into clear user stories, epics, and acceptance criteria for API endpoints and AI-enabled product features. Partner with engineering on API design, monitoring, SLA adherence, and incident response to ensure platform reliability and performance.
Drive alignment across cross-functional stakeholders—servicing teams, digital channel owners, compliance, and enterprise customers—to maintain shared priorities and clear delivery commitments.
Lead user acceptance testing and partner onboarding for internal and external integrators adopting API products. Monitor product performance metrics and usage analytics, identify gaps, and drive continuous improvement of features and delivery processes. Partners with the Product Manager to identify new product opportunities that reflect the needs of our customers and the market through user research and discovery.
Considers and plans for upstream and downstream implications of new product features on the overall product experience. Supports the collection of user research, journey mapping, and market analysis to inform the strategic product roadmap and provide insight on potential product features that provide value to customers.
Analyzes, tracks, and evaluates product metrics including work to time, cost, and quality targets across the product development life cycle. Writes the requirements, epics, and user stories to support product development.